The evolution of the payments value model
How are customers redefining the way payments players make money?
We are seeing a shift in the payments value model from point-of-purchase to one more broadly focused on how and why people pay. We look at the impact this is having on the payments economic value equation.
Retail payment trends: Winning with credit card partnerships
Strategies for driving revenue with co-branded credit cards
Private label and co-branded credit cards can drive value for retailers and issuers. How do you boost revenue despite the stagnant growth in partnership cards? And what are the key levers that issuers and their retail partners can pull to reinvigorate existing partnership card programs?
Central Bank Digital Currencies
Building Block of the Future of Value Transfer
Central Bank Digital Currencies (CBDCs) have the potential to be the most pervasive innovation in the digital and payments space. We present a comprehensive point of view on CBDC, highlighting recent innovations, regulatory challenges and the way forward for stakeholders in Financial Services.
Beneath the Surface: Technology-driven systemic risks and the continued need for innovation
A report by the World Economic Forum and Deloitte
The accelerated adoption of technology in financial services is giving rise to new sources of risk, which can accumulate across the ecosystem to form systemic risks. These risks are often difficult to interpret and anticipate, and hence, not easily mitigated.
Digital currency payments and merchant adoption survey
More businesses are accepting digital currency payments
Some may believe digital currency is a passing trend. Nevertheless, the increasing acceptance of crypto or stablecoin for payment, and the level of interest and investment it takes to enable these solutions, suggests businesses are seeing digital currency as an essential tool to achieve their goals.
Blockchain Advisory Explained
Building on the digital banking momentum
How banks could influence customer channel preferences
As banks continue to build on the digital banking momentum, they should pay attention to “humanizing” the banking experience, irrespective of the channel. This may not only improve customer satisfaction, but also ensure sticky relationships, especially with younger consumers.
Profiling the winners of the Financial Services Innovation Awards 2021
Breaking new ground
The financial services industry can trace its origins back centuries, but that tradition doesn’t stand in the way of continued innovation. To recognise this progress, we created the Financial Services Innovation Awards, to highlight companies and individuals that are breaking new ground in Ireland.
The new EU AI Act | What do financial services firms need to know?
The EU has published the Artificial Intelligence (AI) Act, its proposal for a comprehensive legislative framework for AI. Firms should assess which of their AI systems are likely to be high-risk and conduct a high-level gap analysis against the Act's essential requirements.
Financial Markets Regulatory Outlook 2022
New strategies for a changing world
The 2022 edition of the Financial Markets Regulatory Outlook identifies ten cross-sector themes of strategic significance, and takes an in-depth look at three related spotlight topics - credit risk, regulatory divergence and the future of regulation.
A look inside the Deloitte EMEA Blockchain Hub
Implications of digital currencies for bank balance sheets and strategy
All major central banks are engaging with digital currencies, with a degree of urgency reflecting the rapid pace and implications of technological innovation. We recommend banks assess the range of possible scenarios and plausible impacts, with a view to developing near-term response strategies
Crunch time IV: Blockchain for Finance
A series on digital transformation in Finance
Explore Blockchain for Finance, the latest installment in our Crunch time series, where we dive deep into business blockchains and how they’re transforming the work of finance organizations around the world.
Over the horizon: Blockchain and the future of financial infrastructure
Research from Deloitte & the World Economic Forum
The result of a project that Deloitte and The World Economic Forum worked on, this report looks at blockchain and considers the potential for distributed ledger technology to replace existing financial infrastructure,providing greater speed, accuracy and efficiency in many basic financial processes.